Javelin Research

U.S. EMV Migration One Year Later

Javelin Report
Date: November 3, 2016
This report looks at how implementation has proceeded for merchants and issuers and the expectations for the next retailer EMV milestone in 2017 – gasoline/fuel stations.  
With mobile banking, person-to-person payments, and mobile wallets, mobile is rapidly becoming the go-to channel for financial activity. All of these activities feature instantaneous response with minimal friction. This expectation has strong...

Giving Consumers Identity Control

Date: November 2, 2016
Author(s): Al Pascual, Kyle Marchini
This whitepaper, sponsored by Civic, investigates US-based consumers’ desire to have control over their own identities, and looks at the implications of the current lack of control they have over their own personally identifiable information (PII)....

The Future of Point-of-Sale

Javelin Report
Date: November 1, 2016
This report examines the current state of POS usage and EMV compliance, adoption of various features like NFC, and the myriad of ways acquirers and their software and hardware partners are innovating to level the playing field for small retailers —...

The Financial Impact of Fraud

Date: October 25, 2016
Author(s): Al Pascual
This whitepaper, sponsored by Vesta Corporation, analyzes the findings of a new independent study that examines how the cost of fraud has significantly increased post-EMV when compared to 2015, and the associated challenges impacting a merchant’s...

Mobile Online Retail Payments 2016

Javelin Report
Date: October 6, 2016
Author(s): Emmett Higdon
This report examines how providers, recognizing mobile’s disruptive impact, are pioneering new tools like augmented reality to create the next generation of immersive shopping experiences.

2016 Retail Point of Sale Payment Forecast

Javelin Report
Date: September 8, 2016
This report will also highlight individual product growth and share shifts at POS for cards (credit, debit, prepaid, and gift), cash, check, and mobile proximity payments. 

Top Opportunities in Small Business Digital Banking

Javelin Report
Date: August 25, 2016
Javelin has identified three key areas of investment in small business digital banking that will help bankers reverse these trends, and create services that build engagement and demonstrate the bank’s role as a trusted financial partner.  

The Future of Cardholder Verification Methods

Javelin Report
Date: August 19, 2016
Author(s): Al Pascual, Kyle Marchini
As EMV liability shift deadlines come and go, opportunities will remain to further mitigate fraud and improve the cardholder experience. Consumer expectations shaped by mobile proximity payments, the evolving in-store checkout experience, and the...
This report explores how the Pays stack up and recommends strategies to drive repeat purchasing behavior by creating value all along the purchase journey, not just at the point of payment. 


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